Abstract: An ultra-thin downlight with enhanced thermal dissipation performance includes a housing, a light source board and a light cover. The housing includes a first ring portion, a cylindrical portion and a second ring portion connected to each other. The cylindrical portion is disposed between the first ring portion and the second ring portion, such that an accommodating space is formed between the first ring portion, the cylindrical portion and the second ring portion. The light source board is fixed on the inner surface of the second ring portion and disposed in the accommodating space. A portion of the light source board is covered by the second ring portion and the other portion of the light source board is exposed from the second ring portion. The light cover is disposed on the inner surface of the first ring portion.

Abstract: A planar light source device includes a plurality of light sources that is independently drivable, a first light guide to emit light incident from the first light source from an emitting surface in an emitting direction, a second light guide that is contained in a second light emitting region adjacent to a first light emitting region containing the first light guide and emits light incident from a second light source from the emitting surface in the emitting direction, and a partition frame having a partition wall that is positioned between the first light guide and the second light guide, partitions the first light emitting region and the second light emitting region, and is provided with a gap from the emitting surface of the first light guide, in which an angle formed by a wall surface and a bottom face of the partition wall is an acute angle.

Abstract: Configuring data transfers based on electronic messages. A system includes a communication module, a processor, and a memory. The memory stores instructions that, when executed, configure the processor to: receive, from a client device, an authentication credential and associate the authentication credential with a client record. The processor identifies, based on delegated access to query a message account at a message server, a resource request message associated with the message account using a defined criteria. The processor obtains, based on the resource request message, a resource parameter to define a proposed resource transfer to a recipient entity. The processor generates and transmits, to the client device, a transfer request alert based on the proposed resource transfer for display at the client device. In response to receiving, from the client device, a selection of a selectable option, the processor allocates a resource to the recipient entity.

Abstract: A preferred embodiment of the invention allows the designation, configuration and rearrangement of multiple value unit wallets that allow an end user to designate which types of value units in conjunction with an algorithmic sequence to create a transaction product account may be implemented on a per-transaction basis such that a utilization product determines how a transaction may be processed on a transaction-by-transaction basis. The utilization product may be controllable via an application programming interface to select alternate sequences whereby prioritization of different types of value units may be designated on a transaction-by-transaction basis.

Abstract: Aspects described herein may allow for receiving authorization allowing monitoring a user's spending account. A base-line spending profile and a dysfunctional spending profile for the user may be established. When notification of a pending purchase transaction is received, a determination may be made as to whether the pending purchase transaction is in accordance with the base-line spending profile of the user. If the pending purchase transaction is in accordance with the base-line spending profile of the user, the pending purchase transaction may be allowed. However, if the pending purchase transaction is not in accordance with the base-line spending profile of the user, then a temporary secondary approval may be instituted for a predetermined period of time and a secondary approval person may be electronically notified that their approval is required before allowing the pending purchase transaction to be made using the spending account of the user.

Abstract: Apparatus and methods for creation of securities based upon servicing records verified via a blockchain distributed ledger. The Blockchain is distributed to Participants in the Loan, such as the Borrowers, Regulators, Servicers, and Vendors. Participants may submit an aggregation criteria, such as for example a criteria used for selecting loans to be included in a securitization pool. The present disclosure further provides a method for homogenizing a variety of loan criteria and memorializing execution of a smart contract on the Blockchain.

Abstract: A device may determine information that identifies a location of a projectable transaction card that is capable of being used to conduct a transaction associated with a merchant. The device may determine that the location of the projectable transaction card matches a location associated with the merchant. The device may identify a virtual transaction number that is unique to the merchant, previously associated with the merchant, unique to an account associated with the projectable transaction card, and to be used in conducting the transaction. The device may provide the virtual transaction number for display on a display screen of the projectable transaction card. The virtual transaction number may not be displayed on the display screen of the projectable transaction card prior to a determination that the location of the projectable transaction card matches the location associated with the merchant.

Abstract: A method for authenticating e-commerce transactions involves receiving, from a payment network computer, a first authentication request message to authenticate a transaction associated with a payment account, the first authentication request message being initiated by an issuer domain computer not implementing a 3-D Secure authorization protocol, determining that the issuer domain computer has configured, at the access control server computer, a decision function of a second portion of the 3-D Secure authorization protocol and in response thereto, transmitting, to the issuer domain computer, a decision request message and information associated with the transaction, the decision request message requesting the issuer domain computer to determine an action for authenticating the transaction based on the information associated with the transaction and one or more programmatic rules of the issuer domain computer, the transmitting occurring in lieu of the access control server computer executing the decision funct

Abstract: Embodiments are disclosed for automatically processing a claim provided by a user. Responsive to receiving a notice of loss associated with a claim of a user, a set of customer identity validation data are collected. The set of customer identity validation data may be determined to meet a pre-defined identity validation criteria. Responsive to determining that the set of customer identity validation data meets the pre-defined identity validation criteria, current claim evaluation data for the claim may be accessed. A set of predictive impact assessment scores associated with the current claim evaluation data may be determined using a predictive model. The set of current claim evaluation data may be determined to meet pre-defined claim data criteria by comparing the predictive impact assessment scores with a set of impact assessment thresholds. Responsive to determining that the set of current claim evaluation data meets the pre-defined claim data criteria, a reactive action to the claim may be determined.

Abstract: Techniques are disclosed relating to a method that includes, in response to a request from a user to complete a secure transaction, determining, by a computer system, that a plurality of transaction options is available for completing the secure transaction. The method further includes generating, by the computer system, a plurality of authentication codes, each authentication code of the plurality corresponding to a respective one of the plurality of transaction options. Receiving a particular authentication code of the plurality of authentication codes from a computing device associated with the user causes a selection of a corresponding transaction option.

Abstract: Geographical mapping and linking of security and risk indicator data. Cross-references are created between location indicators and geo-spatial areas based on a statistical algorithm, in accordance with geo-spatial data. The cross-references are stored in a first data table. A credit risk indicator (CRI) is generated for each geo-spatial area based on other data, forming CRI data that is stored in second data table. A security associated with one of the location indicators is identified among security data. A first link is created between the security and a geo-spatial area based on the cross-references in the first data table. Based on the first link, a second link is created between an indicator among the CRI data in the second data table and the security. The second link is used to form instrument-level data for the security that includes the indicator. The instrument-level data is stored in a third data table.

Abstract: Processing a payment from a payer to a payee (operating a first computing system), by a second computing system, by receiving an electronically-generated payment transaction instruction (identifying the payer, specifying the amount of the payment, and specifying a communications link for the second computing system to obtain financial account information from the payer) from the first computing system, obtaining the financial account information from the payer via the specified communications link, generating an electronic data token representing the financial account information, outputting the electronic data token for transmittal to the first computing system (where the first computing system does not receive the financial account information and the second computing system does not provide the electronic data token to the payer), obtaining the amount from the payer using the financial account information, and forwarding at least a portion of the amount to the payee.

Abstract: Systems and methods for authentication code entry using mobile electronic devices are disclosed. In one embodiment, in an information processing device comprising at least one computer processor, a display, and an input device a method for authentication code entry may include: (1) receiving, at the information processing device, a masking pattern for receiving entry of an authentication code, the masking pattern specifying an order for entering the authentication code; (2) presenting, on the display, a prompt to enter the authentication code in accordance with the masking pattern; (3) receiving, at the input device, a masked authentication code entry where the masked authentication code entry comprises the authentication code entered in accordance with the masking pattern; and (4) storing the masked authentication code entry.

Abstract: A trade order may be submitted to an electronic exchange and updated, according to pay-up parameter values, in an attempt to receive a complete fill within a period of time. The trade order may comprise an order price and an order quantity when submitted to the electronic exchange. The pay-up parameters may include a pay-up interval, a pay-up amount, a pay-up counter, or a combination thereof. The price of the trade order may continue to be updated after the expiration of pay-up interval in an attempt to receive a complete fill of the trade order. The price of the trade order may be increased or decreased by the pay-up amount. The trade order may continue to be updated until a complete fill is received, the pay-up counter expires, and/or an ending time expires for which the pay-up parameters may be implemented.

Abstract: Sensor systems for communications between heavy equipment machines during tree felling operations. A system includes a first heavy equipment comprising a first winch and a second heavy equipment comprising a second winch. The system includes a first cable attached to the first winch and a fulcrum roller and a second cable attached to the second winch and the fulcrum roller. The system is such that the first heavy equipment communicates with the second heavy equipment by way of long-range radio signals.

Abstract: A distributed ledger management system 10 includes: an orderer node 100 that generates a block containing transactions issued by a client 300, verifies the validity of the transactions contained in the block, distributes the block and verification results to a peer node 200, adds the block to a blockchain 125 in its storage device, and stores the verification results in its storage device; and the peer node 200 that receives the block and verification results from the orderer node 100, adds information on predetermined events indicated by the transactions to state information 225 in a storage device of the peer node, and discards the block and verification results.

Abstract: Described herein are means for conducting transactions between bots using Distributed Ledger Technology (DLT) in a cloud based computing environment.

Abstract: A system and method for end-to-end transaction management, for example, for a structured finance market. The system and method digitizes and deconstructs complex interconnected transaction documents. The system creates transparency around the complexities of the transactions, generating significant efficiencies for existing market participants and enabling access to previously hidden and/or inaccessible data. In some embodiments, the platform supports a selected ecosystem (compared to specific use-cases within a market vertical) with a seamless integration of frameworks and schemas for the organization and structure of provisions, analytical tools extracting the required data, and the creation of metrics to informatively assess and calibrate the market. The system advantageously creates a digital language providing a tool, which will further enable the digitization of the finance ecosystem.

Abstract: Techniques are disclosed relating to transaction authorization. In some embodiments, a server computer system receives and caches browsing information for a device of a user, where the browsing information relates to a transaction service. The server computer system may then receive a request to authorize one or more transactions via the transaction service. The server computer system may evaluate the cached browsing information to determine whether the user is attempting to perform multiple concurrent transactions via the transaction service. Based on the evaluating, the server computer system may determine whether to authorize the one or more transactions. In some embodiments, the disclosed techniques may advantageously prevent or reduce authorization of duplicate transactions that are concurrently attempted by a user.

Abstract: A fraud detection model is used by a computer system to evaluate whether to grant a request to access a secure electronic resource. Before granting the request, the computer system evaluates the request using a multi-partite graph model generated using a plurality of previous requests. The multi-partite graph model includes at least a first set of nodes for sender accounts, a second set of nodes for recipient accounts, and a third set of nodes.